SpendTune: SMS Expense Tracker

SpendTune is an automatic expense tracker made for UPI and Indian banks. When a UPI app, a bank app or your bank's SMS reports a payment, SpendTune spots it and saves it, so your daily expenses are tracked without typing each one in. There is no bank login and no sign-up, and your transactions are stored only on your phone.

Call it an expense manager, a spending tracker or your daily kharcha and hisab: it keeps itself up to date.

AUTOMATIC EXPENSE TRACKING
• Tracks UPI payments, card purchases and bank debits from your bank's SMS alerts and payment notifications
• If you allow SMS access, SpendTune reads each new SMS from your bank, even when Android hides its notification. It cannot read older messages and never sends an SMS
• A small sheet appears after a payment so you can pick a category in one tap, or leave it for later
• Payments you don't confirm wait in Needs review instead of disappearing
• When two alerts report the same payment, they are merged into one
• Merchant rules tidy up names and file regular merchants for you

BUDGET PLANNER AND SPENDING REPORTS
• Weekly, monthly or custom budgets with pace warnings and alerts
• Reports by category, merchant and account, with daily spending trends
• Search and filter your whole history by date, amount, category, account, tag or person
• Add cash expenses by hand whenever you need to

MONEY MANAGER FOR BANK ACCOUNTS AND CREDIT CARDS
• Bank accounts, cash, wallets and credit cards in one place, with balances and net worth
• A card purchase counts as spending on the day you buy; paying the card bill is a transfer, so nothing is counted twice
• See what is due on each card, and when

SPLIT EXPENSES, BILLS AND GOALS
• Split expenses and keep track of who owes whom
• Recurring payments such as rent, salary and EMIs, added on the due day or as a reminder
• Subscriptions with their renewal dates, and savings goals
• Light and dark themes

PRIVATE EXPENSE TRACKER THAT WORKS OFFLINE
• Your transactions are stored only on your phone: no account, no sign-up, no cloud sync and no ads
• Expense tracking works offline. Buying or confirming SpendTune Pro needs a connection
• Usage analytics and crash reports are off unless you choose to share them
• Back up to a file you keep, optionally protected with your own password
• SpendTune talks to Google Play and RevenueCat to manage SpendTune Pro, and to Firebase for app settings. Your transactions are never part of that.

FREE AND PRO
SpendTune is free to use. The free plan includes manual entry, Activity, Reports, search, budgets and backups, plus 40 automatically detected payments a month. Some things are limited on the free plan: 3 accounts, 3 custom categories, 3 tags, 3 recurring rules, 3 subscriptions, 3 people and 1 savings goal.

SpendTune Pro is an optional monthly or yearly subscription. It removes those limits and adds export to CSV, Excel and PDF, automatic backups, receipts and attachments, the home screen widget, and daily and weekly spending reports. You pay through Google Play; the subscription renews automatically until you cancel, which you can do any time in Google Play.

PERMISSIONS
• SMS access (optional), to read new SMS from your bank. A message from anyone else is dropped and never saved.
• Notification access (optional), to read payment alerts. Android shows SpendTune every notification; it ignores everything except your payment apps, banks and bank SMS.
• Display over other apps (optional), for the sheet that appears after a payment
• Notifications, for budget alerts, reminders and spending reports
You can skip any of them: manual entry works without permissions.

SpendTune (some people search for Spend Tune) is made by Starlith Lab and is not affiliated with any bank or payment app.

Recent changes:
- Setup now asks for SMS access, so payments from your bank's SMS are picked up from the start.
- Settings shows what automatic detection needs in one place. Notification access is now optional.
- Bug fixes and improvements.